| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | THE UNION LABOR LIFE INSURANCE COMPANY | $248K | — | $248K | 13.30% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMINISTRATION & INS GRP INC | 1211 W. 22ND STREET SUITE 820 OAK BROOK, IL 60523 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $37K | $8K | $46K | 12.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator; Other insurance fees and expenses; Claims processing Service code 12 | — | $1.9M |
| PAYD HEALTH NONE | Consulting (general); Consulting fees Service code 16 | 4001 MCEWEN ROAD, STE 450 DALLAS, TX 75244 | $858K |
| PAYER MATRIX, LLC EIN 81-3946362 NONE | Consulting (general); Consulting fees Service code 16 | — | $245K |
| MAGELLAN HEALTH SERVICES NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | 1291 SHERMER ROAD NORTHBROOK, IL 60062 | $210K |
| DOWD, BLOCH, BENNETT ET AL EIN 36-3371377 NONE | Legal Service code 29 | — | $144K |
| RICH CLARSON EIN 36-2392752 ADMINISTRATOR | Plan Administrator Service code 14 | — | $119K |
| MEDCARE MANAGEMENT EIN 88-6429522 NONE | Other services Service code 49 | — | $114K |
| PAT ERDMANN EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $112K |
| RED CARD SYSTEMS, LLC EIN 20-5388701 NONE | Copying and duplicating Service code 36 | — | $100K |
| BUCK GLOBAL, LLC EIN 35-3954297 NONE | Other services Service code 49 | — | $95K |
| DELTA DENTAL EIN 84-0568337 NONE | Contract Administrator Service code 13 | — | $90K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $80K |
| PREFERRED NETWORK ACCESS, INC. EIN 36-4018433 NONE | Other services Service code 49 | — | $67K |
| MACNELL ACCOUNTING & CONSULTING LLP NONE | Accounting (including auditing) Service code 10 | 9436 SPRINGFIELD AVE EVANSTON, IL 60203 | $66K |
| TFBC, LLC EIN 27-3782504 NONE | Consulting fees; Consulting (general); Actuarial Service code 11 | — | $63K |
| C.S. MCKEE L.P. EIN 25-1900687 NONE | Legal Service code 29 | — | $50K |
| MICHAEL WAINSCOTT EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| THERISA GONZALEZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management Service code 28 | — | $47K |
| JOANNE SAENZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| MARISOL RAMIREZ EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $46K |
| ANNE PENNEY EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| RITA BUDESELICH EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| CINDY PERNA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| SUE HAWRYSIO EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| VISION SERVICE PLAN EIN 20-0891619 NONE | Contract Administrator Service code 13 | — | $37K |
| BOND BROTHERS EIN 36-2433269 NONE | Copying and duplicating Service code 36 | — | $37K |
| VERONICA CORREA EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| LASALLE CONSULTING PARTNERS, INC. EIN 36-4030449 NONE | Other services Service code 49 | — | $30K |
| INVESTMENT CONSULTING SERVICES EIN 32-0016703 NONE | Consulting (general); Investment advisory (plan); Consulting fees; Named fiduciary Service code 16 | — | $30K |
| ALICIA BENSON EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| SHEILA NIMMER EIN 36-2392752 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| VIVEKA HEALTH NONE | Other fees Service code 99 | 104 W 14TH STREET NEW YORK, NY 10011 | $18K |
| FIRST MIDWEST BANK NONE | Account maintenance fees; Recordkeeping fees Service code 64 | PO BOX 580 JOLIET, IL 60434 | $11K |
| AMALGAMATED BANK OF CHICAGO NONE | Custodial (securities) Service code 19 | 30 N LASALLE CHICAGO, IL 60602 | $10K |
| JOHNSON & KROLL, LLC EIN 36-4342024 NONE | Legal Service code 29 | — | $6K |
| DATAMATION IMAGING SERVICES EIN 36-4303011 NONE | Copying and duplicating Service code 36 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 108 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 4,072 | $44.4M |
| Vision(2 contracts) | VISION SERVICE PLAN | 2,096 | $849K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,002 | $372K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,082 | $1.9M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,002 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,082 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.